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Checking Accounts

Credit Union of Ohio is the best place for you to bank- at every stage of your life. Our flexible checking options have something for everyone. All of our accounts come with:

  • No minimum balance requirement
  • Mobile Banking with Text Alerts (Search "Credit Union of Ohio mobile" in the app store)
  • Mobile Deposit - FAQ here
  • Apple Pay®
  • Online Banking & Bill Pay
  • Thousands of Branches & ATMs nationwide

Check out this easy-to-read comparison chart of the features and benefits of all Credit Union of Ohio checking accounts:

 

Basic Free
Checking

Checking
Plus

ADVANTAGE

Checking

Student
Checking

Account Details

No-frills account with all the basics for managing your day-to-day money.

Tiered account that has basic features and earns dividends.

An account for members 55+ years of age or anyone who has retired, plus earns dividends.

Free account with all the basics, just right for 18 to 24 year old students starting out.

Minimum to Open

None

$2,500

None

None

Monthly Fee

None

$5 (fee waived if a minimum average daily balance of $2,500 is maintained)

None

None

Online Banking with Bill Pay

Free

Free

Free

Free

Direct Deposit

Available

Available

Required1

Available

e-Statements

Free

Free

Free, required

Free, required2

Accessing Your Account

  • Mobile App
  • Mobile Deposit
  • Online Banking
  • ATMs
  • Teller
  • Phone Banking
  • Mobile App
  • Mobile Deposit
  • Online Banking
  • ATMs
  • Teller
  • Phone Banking
  • Mobile App
  • Mobile Deposit
  • Online Banking
  • ATMs
  • Teller
  • Phone Banking
  • Mobile App
  • Mobile Deposit
  • Online Banking
  • ATMs
  • Teller
  • Phone Banking

Credit Union of Ohio ATM Access

Free & unlimited

Free & unlimited

Free & unlimited

Free & unlimited

Other ATM Access3
(includes Surcharge-Free ATM networks)

4 free per month, then $2 each; unlimited use

4 free per month, then $2 each; unlimited use

4 free per month, then $2 each; unlimited use

8 free per month, then $2 each; unlimited use

Overdraft Protection4

Ask us about your options.

Ask us about your options.

Ask us about your options.

Ask us about your options.

Additional Benefits

  • Apple Pay
  • Visa Alerts
  • First box of checks free

 

  • Apple Pay
  • Visa Alerts
  • First box of checks free
  • Apple Pay
  • Visa Alerts
  • One free box of checks annually.
  • Apple Pay
  • Visa Alerts
  • First box of checks free

1-Advantage Checking requires at least $500.00 direct deposited per month.
2-You may also elect to receive paper statements at an additional charge of $2 per month.
3-Includes deposits, withdrawals, and balance inquiries at any ATM not owned by Credit Union of Ohio. You may also be charged a surcharge by the financial institution who owns the ATM. A listing of surcharge-free networks available at www.cuofohio.org.
4-As part of new federal regulations, click here to state your preference for the way we'll handle your overdrafts.  

Apple Pay® is here!

You can now easily make purchases at participating merchants with your iPhone 6® (or newer), Apple Watch®, and newer model iPads®.
To get started, make sure your Apple® device has the most recent upgrade and add your CUO debit or credit card in the Wallet app.

Visa Purchase Alerts     

You now have the ability to monitor your CUO Visa credit, debit or prepaid accounts.  This new feature allows you to check for unusual activity and take action at the first sign of potential fraud.
If you are interested in receiving alerts, visit here to sign up.  You can set up your amount thresholds, international transactions and telephone or online orders. These alerts can be received as email or text messages and will only take place on certain networks including Interlink and Plus.

 

The Best Place to Bank. Become a Member.

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Important Account Information

Credit Union of Ohio is bringing you a technology upgrade!

It’s important to note that you will have limited access with your accounts December 1 – 2.  We appreciate your understanding as we take our tech game to the next level by bringing you a new mobile app and online and phone banking services.

Learn More